Best Auto Insurance in Washington (2025)
Compare top-rated auto insurance companies in Washington. Find affordable coverage that meets WA state requirements and save up to 40% on your premium.
$1,398
Avg. Annual Premium
25/50/10
Minimum Coverage
Seattle
Largest City
7.8 million
Population
Washington Auto Insurance Requirements
Washington prohibits insurance companies from using credit scores to set auto insurance rates.
Minimum Liability Coverage: 25/50/10
- • First number: Bodily injury per person
- • Second number: Bodily injury per accident
- • Third number: Property damage per accident
How to Find Cheap Car Insurance in Washington
Compare Multiple Quotes
Get quotes from at least 3-5 insurance companies. Rates in Washington can vary by hundreds of dollars for the same coverage.
Ask About Discounts
Safe driver, multi-policy, good student, and low mileage discounts can significantly reduce your premium.
Consider Higher Deductibles
Raising your deductible from $500 to $1,000 can lower your premium by 15-25%.
Maintain Good Credit
Most insurers in Washington use credit-based insurance scores. A good credit score can mean lower rates.
Drive Safely
A clean driving record is one of the best ways to keep your insurance costs down.
Washington Auto Insurance FAQs
What is the minimum auto insurance required in Washington?
Washington requires minimum liability coverage of 25/50/10 (bodily injury per person/per accident/property damage). Washington prohibits insurance companies from using credit scores to set auto insurance rates.
How much does car insurance cost in Washington?
The average annual car insurance premium in Washington is $1,398. Your actual rate may vary based on your driving record, age, vehicle, and coverage choices.
What factors affect auto insurance rates in Washington?
Key factors affecting Washington auto insurance rates include your driving record, age, credit score (where permitted), vehicle type, coverage levels, deductibles, and where you live within the state. Drivers in Seattle typically pay more than those in rural areas.
How can I find cheap car insurance in Washington?
To find affordable car insurance in Washington: 1) Compare quotes from multiple insurers, 2) Ask about available discounts, 3) Consider raising your deductible, 4) Bundle with home insurance, 5) Maintain a clean driving record. The best rates often come from comparing at least 3-5 different companies.
Get Your Free Washington Quote
Compare rates from top insurers and save up to 40% on your auto insurance.
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